Medigap Plans Cost Comparison Chart
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The medigap plan comparison chart provides a convenient way to compare the health benefits the 10 standardized policies can provide where you live. Medigap plan comparison chart gives you a comprehensive visualization of all the provisions of Medigap at a glance.
Kindly note that Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap plans, hence, their unique medigap coverage chart.
Each of the standardized plan has its own set of basic benefits illustrated in the medigap comparison chart, but some plans have overlapping benefits.
|
Medigap Benefits |
Medigap Plans |
|||||||||
|
A |
B |
C |
D |
F* |
G* |
K |
L |
M |
N |
|
|
Part A coinsurance |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
|
Part B coinsurance or |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes*** |
|
Blood (first 3 pints) |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes |
|
Part A hospice care |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes |
|
Skilled nursing |
No |
No |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
Yes |
Yes |
|
Part A deductible |
No |
Yes |
Yes |
Yes |
Yes |
Yes |
50% |
75% |
50% |
Yes |
|
Part B deductible |
No |
No |
Yes |
No |
Yes |
No |
No |
No |
No |
No |
|
Part B excess charge |
No |
No |
No |
No |
Yes |
Yes |
No |
No |
No |
No |
|
Foreign travel |
No |
No |
80% |
80% |
80% |
80% |
No |
No |
80% |
80% |
|
Out-of-pocket limit** |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
$6,620 in 2022 |
$3,310 in 2022 |
N/A |
N/A |
Keys of the medigap coverage chart
Yes = in the medigap plan comparison chart means policy the covers 100% of this benefit
No = in the medigap comparison chart means the policy does not cover this benefit
% = in the medigap comparison chart covers a percentage of this benefit
N/A = not applicable
*Plan F from the medigap coverage chart also provides a high-deductible policy. If you choose the high-deductible option, you pay for Medicare-covered costs up to the deductible amount. After you attain that amount, your policy can pay your out-of-pocket healthcare costs.
As of January 1 2022, people who are new to Medicare cannot purchase plans that cover the Medicare Part B deductible. From the medigap coverage chart, this means that Medicare Supplement Plans C and F will no longer be available to newcomers to Medicare. Another significance of the medigap plans cost comparison chart is that if you already have Plan C, Plan F or HD-F, you can retain it. If you are eligible for Medicare prior to January 1, , you also may be able to purchase Medicare Supplement Plan C, F, or high-deductible Plan F.
** The provisions of the medigap coverage chart hold that if you satisfy your annual out-of-pocket limit and Part B deductible, the plan generally pays 100% of covered services for the remainder of the calendar year.
*** Plan N from the medigap coverage chart could pay 100% of the Part B coinsurance. For certain office visits, you will have to pay up to $20, and up to $50 for emergency room visits that do not lead to inpatient admittance.
**** Plan G will offer a high-deductible option starting January 1, .
NB: If you qualify for Medicare January 1, or later, Medicare Supplement Plan C and F will no longer be obtainable. You can also retain your plan if you had one before that time. Another consequence of the medigap cost comparison chart is that If you were eligible for Medicare before January 1, , but not yet enrolled, you may be able to purchase one of these policies.
